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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.44
OVBC's Cash to Debt is ranked lower than
55% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. OVBC: 1.44 )
Ranked among companies with meaningful Cash to Debt only.
OVBC' s Cash to Debt Range Over the Past 10 Years
Min: 0.15  Med: 0.37 Max: 5.03
Current: 1.44
0.15
5.03
Equity to Asset 0.11
OVBC's Equity to Asset is ranked higher than
57% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. OVBC: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
OVBC' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.12
Current: 0.11
0.07
0.12
Interest Coverage 2.97
OVBC's Interest Coverage is ranked higher than
66% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. OVBC: 2.97 )
Ranked among companies with meaningful Interest Coverage only.
OVBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.31  Med: 0.66 Max: 4.01
Current: 2.97
0.31
4.01
F-Score: 3
WACC vs ROIC
3.50%
11.96%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 20.15
OVBC's Operating margin (%) is ranked lower than
74% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. OVBC: 20.15 )
Ranked among companies with meaningful Operating margin (%) only.
OVBC' s Operating margin (%) Range Over the Past 10 Years
Min: 16.89  Med: 24.87 Max: 27.04
Current: 20.15
16.89
27.04
Net-margin (%) 15.87
OVBC's Net-margin (%) is ranked lower than
70% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. OVBC: 15.87 )
Ranked among companies with meaningful Net-margin (%) only.
OVBC' s Net-margin (%) Range Over the Past 10 Years
Min: 13.03  Med: 18 Max: 20.37
Current: 15.87
13.03
20.37
ROE (%) 7.16
OVBC's ROE (%) is ranked lower than
60% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. OVBC: 7.16 )
Ranked among companies with meaningful ROE (%) only.
OVBC' s ROE (%) Range Over the Past 10 Years
Min: 7.16  Med: 9.7 Max: 11.44
Current: 7.16
7.16
11.44
ROA (%) 0.79
OVBC's ROA (%) is ranked lower than
57% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. OVBC: 0.79 )
Ranked among companies with meaningful ROA (%) only.
OVBC' s ROA (%) Range Over the Past 10 Years
Min: 0.61  Med: 0.87 Max: 1.09
Current: 0.79
0.61
1.09
EBITDA Growth (3Y)(%) 3.30
OVBC's EBITDA Growth (3Y)(%) is ranked lower than
58% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. OVBC: 3.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
OVBC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -8.2  Med: 7.5 Max: 18.1
Current: 3.3
-8.2
18.1
EPS Growth (3Y)(%) 6.00
OVBC's EPS Growth (3Y)(%) is ranked lower than
54% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. OVBC: 6.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
OVBC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.7  Med: 6.1 Max: 19.7
Current: 6
-7.7
19.7
» OVBC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

OVBC Guru Trades in

OVBC Guru Trades in

Q2 2016

OVBC Guru Trades in Q2 2016

Jim Simons 9,600 sh (New)
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Q3 2016

OVBC Guru Trades in Q3 2016

Jim Simons 11,400 sh (+18.75%)
» More
» Details

Insider Trades

Latest Guru Trades with OVBC

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:DNBF, NAS:OPOF, OTCPK:FRAF, NAS:CIZN, NAS:BOCH, NAS:ACFC, NAS:SMBK, OTCPK:QNBC, NAS:PKBK, NAS:UBFO, OTCBB:DCBF, NAS:FCCO, NAS:CLBH, NAS:PEBK, NAS:ASBB, OTCPK:MNAT, OTCPK:CWBB, NAS:SLCT, NAS:TRCB, NAS:AUBN » details
Ohio Valley Banc Corporation is a financial holding company. It is engaged in commercial and retail banking. It is a full-service financial institution, offers commercial and consumer banking services in Ohio as well as western West Virginia.

Ohio Valley Banc Corporation was incorporated under the laws of the State of Ohio on January 8, 1992 and began conducting business on October 23, 1992. It is a financial holding company, engaged in commercial and retail banking. The Company is engaged in certain non-banking activities under the provisions of the Gramm-Leach-Bliley Act, such as securities underwriting and dealing activities, insurance agency and underwriting activities and merchant banking/equity investment activities. It is also engaged in insurance underwriting activities through a minority interest in ProAlliance Corp. It also has an insurance agency in Ohio Valley Financial Services that is used to facilitate the commission receipts on insurance. It presently has fifteen offices located in Ohio and West Virginia, all but one offering automatic teller machines. Seven of these offices also offer drive-up services. It is a full-service financial institution offering a blend of commercial and consumer banking services within southeastern Ohio as well as western West Virginia. The banking services offered by the Company include the acceptance of deposits in checking, savings, time and money market accounts; the making and servicing of personal, commercial, floor plan and student loans; and the making of construction and real estate loans. It also offers individual retirement accounts, safe deposit boxes, wire transfers and other standard banking products and services. As part of its lending function, It offers credit card services. The company offers trust services. The trust department acts as trustee under wills, trusts and profit sharing plans, as executor and administrator of estates, and as guardian for estates of minors and incompetents. It offers an automated telephone banking system, OVB Line, which allows customers to access their personal accounts or business account information, make loan payments or fund transfers and obtain current rate information, all from a touch-tone telephone. It also offers Internet banking to its customers, which allows customers to perform various transactions using a computer from any location as long as they have access to the Internet and a secure browser. It offers other financial management online services, such as cash management and news updates related to repossession auctions, current rates and general bank news. The Company operates in two segments; banking and consumer finance. The Company competes with non-financial institutions that offer financial products and services.

Ratios

vs
industry
vs
history
P/E(ttm) 17.40
OVBC's P/E(ttm) is ranked lower than
54% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. OVBC: 17.40 )
Ranked among companies with meaningful P/E(ttm) only.
OVBC' s P/E(ttm) Range Over the Past 10 Years
Min: 9.69  Med: 12.52 Max: 20.86
Current: 17.4
9.69
20.86
PE(NRI) 17.40
OVBC's PE(NRI) is ranked lower than
54% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. OVBC: 17.40 )
Ranked among companies with meaningful PE(NRI) only.
OVBC' s PE(NRI) Range Over the Past 10 Years
Min: 9.69  Med: 12.5 Max: 20.86
Current: 17.4
9.69
20.86
Price/Owner Earnings (ttm) 22.12
OVBC's Price/Owner Earnings (ttm) is ranked lower than
68% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. OVBC: 22.12 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
OVBC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 10.45  Med: 13.59 Max: 22.62
Current: 22.12
10.45
22.62
P/B 1.26
OVBC's P/B is ranked higher than
54% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. OVBC: 1.26 )
Ranked among companies with meaningful P/B only.
OVBC' s P/B Range Over the Past 10 Years
Min: 0.91  Med: 1.14 Max: 1.97
Current: 1.26
0.91
1.97
P/S 2.77
OVBC's P/S is ranked higher than
66% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. OVBC: 2.77 )
Ranked among companies with meaningful P/S only.
OVBC' s P/S Range Over the Past 10 Years
Min: 1.55  Med: 2.21 Max: 3.4
Current: 2.77
1.55
3.4
PFCF 11.53
OVBC's PFCF is ranked higher than
59% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. OVBC: 11.53 )
Ranked among companies with meaningful PFCF only.
OVBC' s PFCF Range Over the Past 10 Years
Min: 3.93  Med: 9.47 Max: 82.43
Current: 11.53
3.93
82.43
POCF 10.37
OVBC's POCF is ranked higher than
57% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. OVBC: 10.37 )
Ranked among companies with meaningful POCF only.
OVBC' s POCF Range Over the Past 10 Years
Min: 3.8  Med: 8.35 Max: 31.29
Current: 10.37
3.8
31.29
EV-to-EBIT 13.20
OVBC's EV-to-EBIT is ranked higher than
56% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. OVBC: 13.20 )
Ranked among companies with meaningful EV-to-EBIT only.
OVBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -1.8  Med: 9 Max: 23
Current: 13.2
-1.8
23
EV-to-EBITDA 13.20
OVBC's EV-to-EBITDA is ranked higher than
51% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. OVBC: 13.20 )
Ranked among companies with meaningful EV-to-EBITDA only.
OVBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -1.8  Med: 9 Max: 23
Current: 13.2
-1.8
23
PEG 1.63
OVBC's PEG is ranked lower than
60% of the 752 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. OVBC: 1.63 )
Ranked among companies with meaningful PEG only.
OVBC' s PEG Range Over the Past 10 Years
Min: 0.96  Med: 1.63 Max: 49.23
Current: 1.63
0.96
49.23
Shiller P/E 15.61
OVBC's Shiller P/E is ranked higher than
80% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.35 vs. OVBC: 15.61 )
Ranked among companies with meaningful Shiller P/E only.
OVBC' s Shiller P/E Range Over the Past 10 Years
Min: 9.06  Med: 12.13 Max: 19.45
Current: 15.61
9.06
19.45

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.94
OVBC's Dividend Yield is ranked higher than
61% of the 2376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. OVBC: 2.94 )
Ranked among companies with meaningful Dividend Yield only.
OVBC' s Dividend Yield Range Over the Past 10 Years
Min: 2.42  Med: 3.71 Max: 5.21
Current: 2.94
2.42
5.21
Dividend Payout 0.52
OVBC's Dividend Payout is ranked lower than
78% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. OVBC: 0.52 )
Ranked among companies with meaningful Dividend Payout only.
OVBC' s Dividend Payout Range Over the Past 10 Years
Min: 0.2  Med: 0.42 Max: 2.63
Current: 0.52
0.2
2.63
Dividend Growth (3y) -7.20
OVBC's Dividend Growth (3y) is ranked lower than
82% of the 739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 vs. OVBC: -7.20 )
Ranked among companies with meaningful Dividend Growth (3y) only.
OVBC' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -9.1  Med: 6 Max: 12.3
Current: -7.2
-9.1
12.3
Forward Dividend Yield 2.94
OVBC's Forward Dividend Yield is ranked higher than
58% of the 2299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. OVBC: 2.94 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.72
OVBC's Yield on cost (5-Year) is ranked lower than
54% of the 2629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. OVBC: 2.72 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
OVBC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.24  Med: 3.44 Max: 4.83
Current: 2.72
2.24
4.83
3-Year Average Share Buyback Ratio -0.50
OVBC's 3-Year Average Share Buyback Ratio is ranked higher than
65% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. OVBC: -0.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
OVBC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -2.4  Med: 0.2 Max: 2.2
Current: -0.5
-2.4
2.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.35
OVBC's Price/Tangible Book is ranked higher than
53% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. OVBC: 1.35 )
Ranked among companies with meaningful Price/Tangible Book only.
OVBC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.97  Med: 1.68 Max: 3.07
Current: 1.35
0.97
3.07
Price/Projected FCF 0.66
OVBC's Price/Projected FCF is ranked higher than
71% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. OVBC: 0.66 )
Ranked among companies with meaningful Price/Projected FCF only.
OVBC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.45  Med: 0.66 Max: 62.22
Current: 0.66
0.45
62.22
Price/Median PS Value 1.27
OVBC's Price/Median PS Value is ranked higher than
53% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. OVBC: 1.27 )
Ranked among companies with meaningful Price/Median PS Value only.
OVBC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.74  Med: 1.26 Max: 2.42
Current: 1.27
0.74
2.42
Price/Graham Number 1.02
OVBC's Price/Graham Number is ranked higher than
55% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. OVBC: 1.02 )
Ranked among companies with meaningful Price/Graham Number only.
OVBC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.66  Med: 1.07 Max: 1.99
Current: 1.02
0.66
1.99
Earnings Yield (Greenblatt) (%) 7.53
OVBC's Earnings Yield (Greenblatt) (%) is ranked higher than
67% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. OVBC: 7.53 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
OVBC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.4  Med: 10.9 Max: 129.7
Current: 7.53
4.4
129.7
Forward Rate of Return (Yacktman) (%) 14.65
OVBC's Forward Rate of Return (Yacktman) (%) is ranked higher than
59% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. OVBC: 14.65 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
OVBC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -1.7  Med: 11.4 Max: 26.5
Current: 14.65
-1.7
26.5

More Statistics

Revenue (TTM) (Mil) $42.82
EPS (TTM) $ 1.64
Beta0.04
Short Percentage of Float0.07%
52-Week Range $21.40 - 29.34
Shares Outstanding (Mil)4.67
» More Articles for OVBC

Headlines

Articles On GuruFocus.com
Ohio Valley Banc Corp. Reports Operating Results (10-K) Mar 16 2011 
Ohio Valley Banc Corp. Reports Operating Results (10-Q) May 10 2010 
Ohio Valley Banc Corp. Reports Operating Results (10-Q) Nov 09 2009 
Ohio Valley Banc Corp. Reports Operating Results (10-Q) Aug 10 2009 
Ohio Valley Banc Corp. Reports Operating Results (10-Q) May 11 2009 

More From Other Websites
OHIO VALLEY BANC CORP Financials Nov 17 2016
OHIO VALLEY BANC CORP Files SEC form 10-Q, Quarterly Report Nov 09 2016
Ohio Valley Banc Corp. :OVBC-US: Earnings Analysis: Q3, 2016 By the Numbers : October 31, 2016 Oct 31 2016
Ohio Valley Banc posts 3Q profit Oct 28 2016
Ohio Valley Banc posts 3Q profit Oct 28 2016
Ohio Valley Banc Corp. Reports 3rd Quarter Earnings Oct 28 2016
Ohio Valley Banc Corp. Reports 3rd Quarter Earnings Oct 27 2016
OHIO VALLEY BANC CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 27 2016
Ohio Valley Banc Corp. : OVBC-US: Dividend Analysis : October 28th, 2016 (record date) : By the... Oct 27 2016
OVBC Announces Cash Dividend Oct 18 2016
OHIO VALLEY BANC CORP Files SEC form 8-K, Other Events Oct 18 2016
Ohio Valley Banc Corp. : OVBC-US: Dividend Analysis : July 29th, 2016 (record date) : By the numbers... Oct 12 2016
OHIO VALLEY BANC CORP Files SEC form 8-K/A, Change in Directors or Principal Officers Aug 30 2016
Ohio Valley Banc Corp. :OVBC-US: Earnings Analysis: Q2, 2016 By the Numbers : August 11, 2016 Aug 11 2016
OHIO VALLEY BANC CORP Files SEC form 10-Q, Quarterly Report Aug 09 2016
OHIO VALLEY BANC CORP Files SEC form 8-K, Unregistered Sale of Equity Securities, Change in... Aug 08 2016
Ohio Valley Banc Corp. Completes Acquisition of Milton Bancorp, Inc. Aug 08 2016
Ohio Valley Banc Corp. Completes Acquisition Of Milton Bancorp, Inc. Aug 05 2016
Ohio Valley Banc posts 2Q profit Jul 28 2016
Ohio Valley Banc posts 2Q profit Jul 28 2016

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